Products Liability Insurance helps cover claims alleging bodily injury or property damage caused by products your business makes, sells, or distributes, helping protect your organization against costly liability losses.
Every Products Liability Insurance policy is built on the same foundation, protection that responds when a product related risk becomes a costly claim.
Every Products Liability Insurance policy is built on the same foundation, protection that responds when a product related risk becomes a costly claim.
$1,000,000
Bodily Injury & Property Damage Liability
$1,000,000
Personal & Advertising Injury Liability
$5,000 - $10,000
Medical Payments
$50,000 - $100,000
Fire Legal Liability
$2,000,000
Products & Completed Operations Liability
$2,000,000
General Policy Aggregate
Product Defect Coverage
Responds to claims involving defective, unsafe, or improperly functioning products.
Product Recall Coverage
May cover eligible expenses related to withdrawing, recalling, or replacing defective products.
Annual premiums start from $500. Higher limits are available depending on risk profile.
Common endorsements
& optional coverages
Standard Products Liability policies cover the basics and endorsements let you extend, customize, or raise limits to match your specific business risks.
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Additional Insured Vendors
Protects qualifying vendors when claims arise from your covered products.
Waiver of Subrogation
Prevents your insurer from pursuing a third party after paying a claim.
Primary and Noncontributory Wording
Makes your policy pay first before any other applicable coverage responds.
Product Withdrawal Expenses
Helps pay certain costs to remove potentially dangerous products from the marketplace.
Contaminated Products Coverage
May cover claims involving accidental contamination of food, beverages, pharmaceuticals, or other products.
Foreign Products Coverage
Addresses eligible claims involving products manufactured or sourced outside your home country.
How pricing works
Premiums vary by business type, risk level, and coverage details—not a flat rate.
Product Type
High-risk products generally generate higher premiums due to greater injury or damage potential.
Annual Sales
Higher sales volumes generally increase the number of potential product liability claims.
Product Defect History
Past defects, failures, or complaints may increase expected loss costs.
Coverage Limits
Any business that manufactures, distributes, imports, or sells products to customers
Who needs Products Liability insurance?
Manufacturers, Importers and exporters.
Wholesalers and distributors, private-label product companies.
Medical and health product companies.
Retailers and e-commerce businesses.
Manufacturers, wholesalers, offices and professional service businesses.
Compare quotes from multiple carriers.
How it works
Complete the Form
Answer a few quick questions about your needs - takes less than 2 minutes
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Choose the plan that fits and get protected the same day.
